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Starting to repair my credit.


workhard
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Hello. I been reading on this forum for quite sometime now and I didn't realize that I can still fix my credit. I started having bad credit about 5-8 years ago. I was young and lost my job and I didn't bother paying my debt. Now I'm 28 and recently got married couple years ago and I want to fix my credit so that I can help my wife to get a house. I pulled my CR and here all stuff that's in it. I just need you'll opinion what I need to do first. 

 

COMENITY BANK/EXPRESS - CLOSED - ACCOUNT CLOSED AT CONSUMER'S REQUEST, REVOLVING

 

DATE OPEN - 12/2004 

 

BALANCE AMOUNT - ZERO 

 

ACCOUNT STATUS - Pays account as agreed , Account transferred to another office

 

BALANCE DATE - 4/2009

 

HIGH/BALANCE LIMIT - $440 

 

COMMENT  - ACCOUNT CLOSED AT CONSUMER REQUEST

 

COMENITY BANK/ABCR&FCH - CLOSED - ACCOUNT CLOSED AT CONSUMER'S REQUEST, REVOLVING

 

DATE OPEN - 12/2004 

 

BALANCE AMOUNT - ZERO 

 

ACCOUNT STATUS - Pays account as agreed, This is an account in good standing

 

BALANCE DATE - 4/2009

 

COMMENT  - ACCOUNT CLOSED AT CONSUMER REQUEST

 

CONSERVE - CLOSED - ELECTION OF REMEDY - REPORTED BY SUBSCRIBER, INSTALLMENT

 

DATE OPEN - 07/2010

 

ACCOUNT STATUS - Account legally paid in full for less than the full balance

 

BALANCE DATE - 07/26/2013

 

PRIOR DELINQUENCY - 201307

 

COMMENT - Closed - Election of remedy - Reported by subscriber

 

FIRST TECH FCU - CLOSED, INSTALLMENT

 

DATE OPEN - 06/2005

 

ACCOUNT STATUS - Pays account as agreed

 

BALANCE AMOUNT - ZERO 

 

BALANCE DATE - 09/2005

 

HIGH BALANCE / CREDIT LIMIT - $10,202.00

 

COMMENT - Closed or Paid Account/Zero Balance

 

SANTANDER - ACCOUNT TRANSFERRED OR SOLD, INSTALLMENT

 

DATE OPEN - 05/2007

 

ACCOUNT STATUS - Charge-Off, Account transferred to another office, Charged off as bad debt

 

BALANCE AMOUNT - ZERO 

 

BALANCE DATE - 03/2010

 

PRIOR DELINQUENCY - 2007/07

 

COMMENT - Account transferred or sold, Closed

 

TOYOTA MTR - CLOSED - CLOSED, INSTALLMENT

 

DATE OPEN - 07/2005

 

ACCOUNT STATUS - Pays account as agreed, Paid account/was 30 days past due date six times or more

 

BALANCE AMOUNT - ZERO 

 

BALANCE DATE - 10/2010

 

PRIOR DELINQUENCY - 2010/09

 

COMMENT - Closed or Paid Account/Zero Balance

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TOYOTA MTR FINANCIAL - I PAID THIS OFF ALREADY I HAVE THE TITLE

SANTANDER - OTHER CAR IS REPO

FIRST TECH - I DON'T KNOW WHAT THIS IS. 

THE REST I KNOW IS MINE. 

 

And I have 3 accounts in collection agency. 

one is for medical 

second I have to do research what is it

third I paid it off already to the original creditor and it's still open in CA. 

 

So there you go, I am very sorry if my post is too long. I just need your help what I need to do first and I want advise as well. Thank you so much in advance. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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i would start off by sending letters to CRA and letting them know none of the accounts are yours and see how far that gets you, I'm sure something is bound to fall off then you just start your battle one at a time, also check SOL laws in your state make sure you don't open yourself up to a lawsuit

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